Revenue based finance for UK growth businesses.
Business funding with repayments linked to revenue rather than one fixed monthly amount. Explore a flexible structure for ecommerce, subscription, SaaS and other businesses with verifiable recurring sales.
Quick estimate
See an indicative repayment
Indicative monthly repayment
£4,500 to £5,625
Illustration only, based on a range of typical total costs. Actual pricing depends on trading history, sector, term, amount and credit profile, and differs between providers.
Revenue based financing aligns the cost of capital with the rhythm of your business. There is no equity dilution and no fixed monthly amount, instead, you agree a total repayable and a percentage of revenue, and the facility settles itself as you trade.
It’s a natural fit for businesses with strong, predictable digital revenue, subscription, e-commerce, SaaS, marketplaces, and any owner who values flexibility over rigidity.
Best suited for
- E-commerce and DTC brands with seasonal peaks
- Subscription and recurring-revenue businesses
- Marketing spend or inventory investment
- Founders avoiding equity dilution
How it works
Share your revenue
Securely connect your sales platforms or share recent statements. We assess your trading, not just your credit.
Agree your terms
We propose an advance, a total repayable and a percentage of revenue. No interest accrual, no compounding.
Draw and trade on
Funds settle to your business account and repayments are made automatically as a small share of your daily takings.
Eligibility at a glance
A short list of the information commonly considered. Eligibility and available terms depend on the individual business and facility.
- UK-registered limited company
- Trading for at least 6 months
- Minimum £10,000 monthly revenue
- Connectable sales channel (Stripe, Shopify, etc.) or statements
- Director ID and recent management figures
- Active UK business bank account
Careful with your data, clear about your terms.
Commercial lending sits outside the FCA perimeter, so the protections of a regulated agreement do not apply. We set out how we work so you can judge it for yourself.
Your data is used to assess your enquiry, never sold or passed on for third party marketing.
Every page and every submission is served over TLS.
Where used, access is read only through FCA authorised providers and can be revoked at any time.
Finance for UK registered businesses and business purposes, not consumer credit.
The initial form is an enquiry. If a credit search is needed later, its type and impact will be explained first.
Total repayable, term, fees and any security stated in writing before you sign.
Why revenue based financing exists
Revenue based financing (RBF) emerged for a category of business that traditional lending underwrites poorly: digital-first, high-gross-margin operators, SaaS, e-commerce, subscription, marketplace, whose true underwriting signal is monthly recurring revenue and cohort retention, not filed accounts from 14 months ago.
The structure is elegant: you receive capital today and repay a fixed multiple of that capital as a percentage of monthly revenue. No fixed instalment, no interest accrual, no equity dilution. In a strong month you clear faster; in a slow month, less.
How UK RBF pricing works
RBF is quoted as a factor (e.g. 1.10x on a 12-month horizon). Borrow £250,000 at 1.10 and you repay £275,000 as a percentage of monthly revenue until settled. The cost is fixed at signing, and no compounding interest accrues.
RBF assumes real, verifiable top-line cash receipts, connected via Stripe, Shopify, Amazon Seller Central, Chargebee, or via open banking read of the operating account. The more platforms you connect, the tighter the offer.
RBF vs venture equity
For a founder considering a seed or bridge round to fund inventory, marketing spend or a specific hire, RBF is often the cleaner path. £500,000 of RBF at a 1.15 factor is a known, capped cost. £500,000 of equity at £5M pre-money is 9% of the company forever, a much more expensive cheque if the business is on the trajectory the founder believes it is on.
Non-dilutive capital is not a substitute for venture where the use is genuinely new-category R&D. It is the right substitute where the use is a growth lever with a modelled payback under 18 months.
RBF vs alternative UK growth capital
| Feature | Revenue based | Venture debt | Equity round |
|---|---|---|---|
| Dilution | None | Warrants only | 5–20% |
| Repayment | % of revenue | Fixed + warrants | None (dividends only) |
| Cost shape | Fixed factor | APR + warrants | Equity value forever |
| Best for | MRR-led growth | Backed by VCs | Category-defining R&D |
| Review timing | File dependent | Usually longer | Usually longer |
| Ownership impact | No equity dilution | Terms vary | Equity issued |
A representative example
- Advance
- £250,000
- Factor
- 1.12
- Total repayable
- £280,000
- Repayment % of monthly revenue
- 8%
- Indicative months to settle
- 10–14
- Dilution
- 0%
Illustrative only. Factor depends on MRR consistency, gross margin, revenue diversity and trading months.
Explore by need
What do you need funding for?
Bridge a cash flow gap
Cover a quiet month or a slow paying customer.
See options →Pay a VAT or tax bill
Spread a large HMRC bill over a set term.
See options →Buy stock or equipment
Spread the cost of a known purchase.
See options →Card takings business
Repayments that follow your card sales.
See options →Grow online revenue
Funding linked to monthly revenue.
See options →Expand or hire
Fixed monthly repayments over a set term.
See options →Frequently asked
What does it actually cost?
You agree a single fixed fee on day one, for example, £55,000 advance with £60,500 to repay. There’s no compounding interest and no variable APR.
What if my revenue drops?
That’s the point. Your weekly or monthly repayment moves with your turnover, so a quieter month means a smaller repayment.
Will I lose equity?
No. Revenue based financing is non-dilutive, your cap table stays untouched.
Can I top up?
A further facility may be considered after repayment progress, but it requires a new assessment and is not guaranteed.
Related guides
Authoritative UK references
Independent sources cited on this page.
- FCA, Register of authorised firms Financial Conduct Authority
- British Business Bank, Growth finance British Business Bank
- Tech Nation, UK scaleup data Tech Nation
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